I am currently looking to upgrade my electrical service to my private home in NYC. 

So no utilities meant I budgeted for new HVAC and appliances and some level of electrical and plumbing repairs.  

Needs foundation, all new electrical & plumbing, siding, roof, etc.  

Water, garage, sewer, electricity,etc).

I hope to wait until I have enough to have some negotiation power when the time comes.

Our other property in Crestline, CA had a hot tub so we had to get an electrical permit for that which was just consisted of an inspector stopping by that we actually met with in person. 

Your buying power going down faster esp with idiots in govt  who borrow like theres no consequences.transfer cash into asset via purchase of investment rental quickly.study market enough to be prudent but not cause paralysis.

Replaced rotten floor joists, brand new bathroom, new kitchen, new electrical, new plumbing, new paint.

IRRRLs have fees, but they do have some advantages over other types of refinance since IRRRLs don't because require appraisal or underwriting.The VA loan is a powerful benefit, especially considering your husband is a disabled veteran...he very well may qualify for the VA Funding Fee to be waived.

Figure $150/month for electric year round maybe more and $150/month for heating, and $100/month for internet.